CONSUMER REPORT BY PLAID CHECK
Lend smarter with risk scores and insights
Make more informed credit decisions with insights you won’t find in bureau reports.
Deepen your understanding of risk with a 360° view of a borrower’s finances
Qualify more applicants
Accurately assess a borrowers’ ability to pay—even without a credit history.
Stay one step ahead of risk
Spot risk factors and good behavior before they show up in credit reports.
Help borrowers thrive
Know when to raise credit limits or tackle repayment challenges with real-time data.
PLAID UNDERWRITING
Strengthen credit decisions with one-of-a-kind insights
Say yes to more applicants with our suite of ready-to-use insights and scores.
Get a detailed view of a borrower’s financial stability through cash flow patterns and categorized income streams.
Access differentiated risk signals based on an applicant’s account connection activity across the Plaid Network.
Better understand ability to repay with Plaid LendScore—now with scores for every major lending segment.
PLAID UNDERWRITING
Strengthen credit decisions with one-of-a-kind insights
Say yes to more applicants with our suite of ready-to-use insights and scores.
Get a detailed view of a borrower’s financial stability through cash flow patterns and categorized income streams.
Access differentiated risk signals based on an applicant’s account connection activity across the Plaid Network.
Better understand ability to repay with Plaid LendScore—now with scores for every major lending segment.
42%Lift in predictive
performance with LendScoreUp to 34%Lower delinquency at the same approval rate with LendScore
< 2 secTo get insights for returning, eligible users with Plaid Link
See how your borrowers’ finances change over time
Stay up to date on borrower finances to get ahead of credit line increase opportunities, charge-offs, and more.
Get regular updates on changes to inflows and outflows like new loan payments or NSF fees.
Track notable account balance changes like large deposits or drops below $100.
Reassess borrowers continuously without requiring them to reconnect their accounts.
See how your borrowers’ finances change over time
Stay up to date on borrower finances to get ahead of credit line increase opportunities, charge-offs, and more.
Get regular updates on changes to inflows and outflows like new loan payments or NSF fees.
Track notable account balance changes like large deposits or drops below $100.
Reassess borrowers continuously without requiring them to reconnect their accounts.
Bobby George,
Risk Engineer, WhimA consumer reporting agency built to support your FCRA needs
Your questions, answered
Reach out if we missed yours.
Is Plaid a consumer reporting agency?
Consumer Report is powered by Plaid Check, a consumer reporting agency. Plaid Check is a subsidiary of Plaid Inc.
Plaid Check is built to support all of your FCRA-related needs, from capturing permissible purposes to ensuring data accuracy. So you can use cash flow data responsibly while staying compliant.
How does Consumer Report differ from other data solutions?
With connectivity to 12,000+ financial institutions, Plaid offers direct access to user-permissioned bank account data along with actionable insights. Lenders also benefit from Plaid's unmatched conversion and unique, network-driven insights designed to assess credit risk and financial stability beyond traditional scores.
How can lenders integrate cash flow data into their lending workflows?
It’s easy to integrate cash flow data and insights via our secure API and no-code dashboard. Learn more.